In liability insurance, what does personal injury refer to?

Personal injury in liability insurance specifically refers to non-physical harm that can affect a person's reputation or emotional well-being. This includes legal claims for issues such as defamation, invasion of privacy, and emotional distress. The distinction is important because it expands the scope of what liability insurance can cover, going beyond just physical damage or bodily injury. Policies often include coverage for personal injury to protect individuals or businesses from lawsuits that stem from these types of non-physical harm. Therefore, it is crucial to understand that personal injury encompasses a range of issues involving someone's rights or dignity rather than just physical harm, making this definition vital for anyone involved in the field of insurance.